6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
Drivers in Newport News can expect to pay an overall average of $150 per month for car insurance. The city’s rates are slightly higher than Virginia’s average of $142 and lower than the national average of $154 per month.
Newport News’ location on a peninsula north of Virginia Beach makes it vulnerable to hurricanes, tropical storms, flooding, and flash floods. And as the commonwealth’s fifth-largest city, Newport News’ population density increases the risk of traffic accidents. The factors likely contribute to the city’s higher-than-average cost of car insurance.
Minimum-coverage car insurance averages $114 per month in Newport News. But comparing quotes from multiple insurers could help you find even lower rates.
Auto-Owners, State Farm, and USAA are the cheapest car insurance companies for Newport News residents.
Virginia is an at-fault state for car insurance.
Insurers in Virginia can use your credit history when determining your rates.
Cheapest car insurance companies in Newport News
Car insurance premiums vary based on factors like your driving record, coverage needs, and age.
The best car insurance companies in Newport News offer a range of discounts, coverage options, and bundling options, but not all of them will be ideal for your unique needs. By comparing policy prices alongside factors like customer satisfaction ratings, financial strength, and claims processes, you can find the best car insurance company for your specific situation and lifestyle needs.
Here are some companies offering low-cost coverage for Newport News drivers. Insurify based these rates on state-level premium data.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $62 | $34 | Cheap rates |
State Farm | 9.3 | $64 | $35 | Families |
USAA | 9.4 | $86 | $47 | Active military, veterans, and their families |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $67/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
Virginia residents will be pleased to discover Old Dominion is one of the 26 states in which Auto-Owners writes policies. The century-old insurer has the lowest rates in Newport News and only uses independent agents. Drivers searching for cheap, basic coverage options will find Auto-Owners far below the state average rates.
Cheapest car insurance rates in Newport News
Lower-than-average National Association of Insurance Commissioners (NAIC) Complaint Index score
Fewer non-bundling discounts than some competitors
Limited range of available optional coverages compared to some competitors
Best insurer for families: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Newport News has an award-winning public school system with tens of thousands of students, so it makes sense that parents consider a State Farm policy for their families.
It has one of the lowest rates for liability-only and full-coverage insurance, rates that drivers can potentially lower with family-focused discounts like the Steer Clear program for drivers younger than 25, Good Student Discount, and Student Away at School Discount.
AM Best financial strength rating of A++ (Superior)
Rideshare coverage available
Accident forgiveness not available
Doesn’t offer gap insurance
Best insurer for active-duty military, veterans, and their families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
Virginia has 27 military installations, including Fort Eustis in Newport News. USAA is the best option for military members and their families, as it offers affordable premiums and excellent customer service. It regularly scores at the top of the J.D. Power U.S. Auto Insurance Study and has an AM Best financial strength rating of A++ (Superior).
Reliable and affordable
Offers investing, banking, and retirement solutions to its members
Only available to active military, veterans, and their families
Customer service not available 24/7
How to get the cheapest car insurance in Newport News
Various factors influence your car insurance rates, like marital status, location, driving record, gender, and age. Here are a few ways to save money on car insurance in Newport News:
Compare quotes. Shop around and compare rates from at least three different car insurance companies before choosing a policy. Every insurer weighs rating factors differently, so you may find cheaper rates for the same coverage from certain companies.
Apply for discounts. Insurance companies usually offer various discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. You can save on coverage if you bundle your car insurance with homeowners or renters insurance.
Keep a clean driving record. Drivers with clean records pay the cheapest premiums. Drive defensively and avoid speeding.
Choose a higher deductible. A higher deductible means a lower premium. You’ll want to be sure you can afford it if you need to file a claim.
Cheapest liability-only car insurance in Newport News: Auto-Owners
All insurance companies must provide liability car insurance that includes the body injury and property damage coverage required by state law. It’s cheaper than full coverage because it only pays for the damage or injuries you cause another person or property. It doesn’t pay out money to repair your own vehicle or pay for your medical expenses.
Liability-only coverage costs an average of $114 in Newport News. The table below shows the cheapest liability-only coverage in Newport News.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $36 |
State Farm | $36 |
USAA | $49 |
GEICO | $49 |
Chubb | $54 |
Erie | $56 |
Clearcover | $61 |
Nationwide | $63 |
Mercury | $65 |
Allstate | $76 |
Progressive | $85 |
Direct Auto | $94 |
Elephant | $96 |
National General | $100 |
Travelers | $102 |
CSAA | $113 |
GAINSCO | $115 |
Safeco | $121 |
Dairyland | $129 |
Bristol West | $132 |
AssuranceAmerica | $142 |
Liberty Mutual | $163 |
The General | $169 |
Cheapest full-coverage car insurance in Newport News: Auto-Owners
The average car insurance rates for full-coverage car insurance will be more expensive than a liability-only policy because it provides a greater range of coverage. Full coverage includes collision and comprehensive coverage in addition to liability, which pays for damages to your car and injured passengers.
Newport News drivers pay a monthly average of $185 for full-coverage car insurance.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $67 |
State Farm | $68 |
USAA | $91 |
GEICO | $91 |
Chubb | $99 |
Erie | $104 |
Clearcover | $112 |
Nationwide | $118 |
Allstate | $142 |
Mercury | $143 |
Progressive | $155 |
Elephant | $165 |
CSAA | $172 |
Direct Auto | $182 |
Travelers | $190 |
National General | $194 |
Safeco | $196 |
Bristol West | $249 |
Liberty Mutual | $251 |
GAINSCO | $261 |
AssuranceAmerica | $269 |
Dairyland | $297 |
The General | $339 |
Cheapest recent rates near Newport News, Virginia
Recent Newport News, Virginia car insurance prices for Jeep, Nissan, Ford , and more.
*Quotes generated for Insurify users in and around Newport News, Virginia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Newport News, Virginia within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Virginia
Virginia is an at-fault state, which means that the driver who caused the accident is responsible for paying for the injuries to people or damage to property that they hit. Virginia, like most states, requires that all drivers maintain a minimum amount of liability insurance to cover these injuries and damages.
The table below shows the current minimum liability coverage required for Virginia drivers through Dec. 31, 2024. The Virginia Department of Motor Vehicles mentions that this coverage limit will change for all policies effective on or after Jan. 1, 2025.
The new minimum coverage levels required by state law will be:
Bodily liability: $50,000 for injury or death per person and $100,000 for injury or death of two or more people.
Property damage: $25,000 per accident.[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $30,000 per person |
Property damage liability | $20,000 per accident |
You might also consider additional optional insurance for greater coverage, like:
Collision coverage
Collision coverage pays for your vehicle’s damage when it collides with an object.
Comprehensive coverage
Comprehensive coverage pays for your vehicle’s damage from instances other than collisions.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers with zero or insufficient insurance.
Medical payments coverage
Medical payments coverage pays for you and your passenger’s medical and funeral costs incurred from an accident.
Gap insurance
Gap insurance pays the difference between your loan balance and insurance settlement if your insurance company totals your vehicle.
Cheapest car insurance for drivers with an incident
Newport News drivers should be aware that causing a fender-bender, getting pulled over in a speed radar zone, and getting a DUI conviction can raise your rates. All these types of moving violations either cause damage or have an increased likelihood of causing damage, so insurers raise rates to account for the increased cost.
Avoid at-fault accidents, speeding tickets, and DUIs to keep your car insurance rates low. The table below highlights the most affordable insurers for drivers with certain incidents on their driving record.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $36 | $46 | $48 | $58 |
State Farm | $36 | $45 | $48 | $58 |
USAA | $49 | $62 | $65 | $79 |
GEICO | $49 | $62 | $65 | $79 |
Chubb | $54 | $70 | $72 | $87 |
Erie | $56 | $73 | $76 | $91 |
Clearcover | $61 | $78 | $87 | $99 |
Nationwide | $63 | $81 | $85 | $102 |
Mercury | $65 | $89 | $93 | $97 |
Allstate | $76 | $96 | $101 | $123 |
Progressive | $85 | $107 | $114 | $138 |
Direct Auto | $94 | $119 | $128 | $152 |
Elephant | $96 | $131 | $125 | $156 |
National General | $100 | $128 | $133 | $162 |
Travelers | $102 | $131 | $137 | $165 |
CSAA | $113 | $146 | $156 | $164 |
GAINSCO | $115 | $157 | $147 | $186 |
Safeco | $121 | $156 | $160 | $182 |
Dairyland | $129 | $164 | $170 | $209 |
Bristol West | $132 | $169 | $176 | $214 |
AssuranceAmerica | $142 | $180 | $185 | $230 |
Liberty Mutual | $163 | $223 | $232 | $264 |
The General | $169 | $219 | $229 | $274 |
Average cost of car insurance by age
Teenagers have high car insurance rates because they’re more likely to get into an accident.[2] Middle-aged adults receive lower rates as they near age 35 due to their driving knowledge and over a decade of valuable experience. Older adults see these low rates increase around age 70 as physical and cognitive issues increase their likelihood of being in an accident.[3]
This table shows how Virginia auto insurance rates vary by age in Newport News.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $330 |
20s | $226 |
30s | $164 |
40s | $148 |
50s | $129 |
60s | $120 |
70s | $124 |
Newport News car insurance quotes by credit tier
Even your credit rating can affect your car insurance rates since the state of Virginia allows insurers to consider credit history when setting premiums. There’s no firm discount set for rates, but you’re more likely to get a good deal with an excellent or good credit score compared to a poor credit score.
Rates by Credit Tier
Newport News car insurance FAQs
Finding the right car insurance can be a challenge. Below are answers to some of the most commonly asked questions about car insurance in Newport News.
How much is car insurance in Newport News?
The average cost of car insurance in Newport News is $150 per month.
Newport News drivers pay $114 per month for liability coverage and $185 for full-coverage car insurance on average. Your exact car insurance premium will depend on your driving record, age, credit history, and other factors.
Which company has the cheapest car insurance in Newport News?
Auto-Owners has the cheapest liability car insurance in Newport News, at $36 per month. State Farm is the second-cheapest insurer in the city, with a rate of $36. The third-cheapest insurer, USAA, has a liability-only rate of $49 per month.
Comparing quotes from multiple car insurance companies is the best way to find the cheapest car insurance for your needs.
What are the best car insurance companies in Newport News?
State Farm is the best car insurance company in Newport News, with a Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and high customer satisfaction ratings. Other top insurers include USAA and Auto-Owners.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Virginia
Sources
- Virginia Department of Motor Vehicles. "Insurance Requirements."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Institute for Highway Safety. "Older Drivers."
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in